Already with Clover?
Overview of Clover
Clover supplies integrated POS hardware and software in the UK, with card acceptance provided by an underlying acquirer (often Fiserv or a partner bank). Because pricing is set by the distributing partner, two Clover users can pay very different rates.
A statement review is the most reliable way to confirm where your specific Clover account sits against current market pricing.
Common fees businesses should check
Set by the underlying acquirer or distributor.
Either purchased outright or rented as part of a bundle.
Monthly fee for the Clover POS apps you use.
Standard recurring charges where applicable.
Want us to check these fees on your Clover statement?
Check If I'm OverpayingContract terms and considerations
- Hardware and software bundles may sit on multi-year agreements.
- Underlying acquirer contracts are separate and should be checked individually.
Exit fees and early termination
- Early termination terms vary by distributor or partner channel.
- Hardware return or buy-out terms may also apply.
We never guarantee to pay your exit fees or that you can be released from a contract. Any support with exit costs is dependent on selected alternative providers, is subject to approval and is only considered when switching makes clear financial sense.
Common reasons businesses request a review
- Account inherited from a previous distributor without a recent review.
- Multiple line items across hardware, software and processing make pricing hard to interpret.
- Renewal is approaching and the owner wants a benchmark.
Frequently asked questions
Will reviewing my Clover statement contact Clover?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave Clover after the review?
Not at all. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a Clover statement review take?
Most reviews are returned within a few working days once we have a recent monthly statement.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any hidden extras specific to your account.
Get an independent view on your Clover setup
Two numbers — your monthly card bill and annual turnover — and we'll estimate your effective rate against the UK average. Send your statement and we'll email a full written breakdown within 30 minutes (8am–6pm, 7 days a week).
Takes 30 seconds. Statement optional.
Related providers
Worldpay
One of the largest global acquirers, with a wide variety of products, pricing structures and contract terms in the UK.
Global Payments
A large international acquirer serving UK merchants directly and through partner banks and software platforms.
Barclaycard
A large UK acquirer used by businesses of all sizes, often bundled with Barclays business banking.
Merchant statements & fees
Everything on your monthly statement — line by line — and how to spot overcharging.
- How To Read A Card Payment Statement
- Card Payment Fees Explained: A UK Business Guide
- Authorisation Fees Explained: The Silent Cost of Small Transactions
- PCI Compliance Fees & Costs UK 2026: SAQ Types, Prices and How to Avoid Non-Compliance Charges
- Monthly Minimum Charges Explained
- Merchant Acquirer Margin Explained
- Scheme Fees Explained (Visa & Mastercard)
- What Is An Effective Merchant Rate?
Related reading
Understanding Your Merchant Statement: A Line-by-Line UK Guide
A plain-English walk-through of every line on a UK merchant services statement, from interchange and scheme fees to PCI, terminal hire and the small charges that quietly inflate your effective rate.
Merchant Services Contract Guide: What UK Businesses Should Check Before Signing
A practical guide to the terms hidden inside UK merchant agreements — term length, notice periods, auto-renewal, rate review clauses and the separate terminal contract most businesses forget about.
How Card Payment Pricing Works in the UK
Blended, Interchange Plus, IC++ and pay-as-you-go pricing explained — with real UK rate examples, when each model wins, and the trade-offs behind the headline percentage.